Call reports 2013
CITIZENS STATE BANK — 2013
What CITIZENS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,830,000 | 84,700,000 | 90,380,000 | 86,987,000 |
| Total loans | 60,413,000 | 67,407,000 | 72,482,000 | 73,659,000 |
| Allowance for loan losses | 863,000 | 914,000 | 974,000 | 1,009,000 |
| Securities available for sale | 2,049,000 | 2,177,000 | 2,061,000 | 2,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,180,000 | 75,812,000 | 76,295,000 | 78,022,000 |
| Interest-bearing deposits | 51,635,000 | 54,096,000 | 52,853,000 | 53,749,000 |
| Noninterest-bearing deposits | 22,545,000 | 21,716,000 | 23,442,000 | 24,273,000 |
| Equity capital | 8,518,000 | 8,664,000 | 8,765,000 | 8,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 971,000 | 1,998,000 | 3,134,000 | 4,277,000 |
| Interest expense | 48,000 | 97,000 | 147,000 | 200,000 |
| Net interest income | 923,000 | 1,901,000 | 2,987,000 | 4,077,000 |
| Noninterest income | 87,000 | 183,000 | 276,000 | 366,000 |
| Noninterest expense | 559,000 | 1,077,000 | 1,689,000 | 2,293,000 |
| Provision for loan losses | 25,000 | 70,000 | 115,000 | 145,000 |
| Pretax income | 426,000 | 937,000 | 1,459,000 | 2,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 426,000 | 937,000 | 1,459,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,448,000 | 8,614,000 | 8,727,000 | 8,855,000 |
| Total capital | 9,216,000 | 9,468,000 | 9,613,000 | 9,769,000 |
| Risk-weighted assets | 60,675,000 | 68,255,000 | 70,775,000 | 73,002,000 |